902 Madison St, Saint Charles, MO 63301 Property Records

St. Charles County property record for 902 Madison St, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,577 sqft · built 1880
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$321,300 (Nov 2019)
Tax Bill	$2,703 (2024)
Deeds & Mortgages	May 2020 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`024740A000`

Property Details

APN / Parcel Number

Primary APN	`024740A000`
Alternative APN	`6-009C-B255-00-0032.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,577 sqft Living Area
Gross Area	1,727 sqft
1st Floor Area	1,577 sqft
Basement Area	150 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Multi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	106 sqft
Deck Area	Deck Area
Patio Area	234 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	024740A000
Street Address	902 MADISON ST
City	SAINT CHARLES
State	MO
Zip	63301-2755
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PT CITY BLK 255
Legal Subdivision	CITY/ST CHARLES
Legal Block	255
Legal Lot Number	32
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	1
Census Block	1029
Census Tract	310502

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Midtown Neighborhood Historic District listed 2014 · 537 contributing resources · NRIS 14000885

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: St. Charles County records, as of August 13, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	902 MADISON ST, SAINT CHARLES, MO 63301-2755
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2020	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS NATL BANK OF GREATER ST LOUIS
Nov 20, 2019	Warranty Deed, Transfer · Commercial Mortgage CITIZENS NATL BANK OF GREATER ST LOUIS
Apr 19, 2017	Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2019 · Amount on Record
Deed Sale	Nov 20, 2019 · Amount on Record
Prior Sale	Apr 19, 2017 · Amount on Record
Deed Document Number	2019665730
Deed Book / Page	7185 / 1256
Prior Transfer Date	Mar 26, 2010
Prior Transfer Doc	0053670056
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	902 MADISON ST, SAINT CHARLES, MO 63301-2755
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072872274
Date	May 6, 2020
Book Page	7287/2274
Instrument	20200506000288460

Lender

Name	CITIZENS NATL BANK OF GREATER ST LOUIS
Type	Bank
Address	SAINT PETERS, MO 63376

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 20, 2019
Property Address	902 MADISON ST, SAINT CHARLES, MO 63301-2755
Document Number	0071851256
Book / Page	7185 / 1256
Instrument Date	Nov 8, 2019
Instrument	20191120000665730
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	552 MALINMOR DR, 552, WELDON SPRING, MO 63304-0585

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 MADISON ST, SAINT CHARLES, MO 63301-2755

Mortgage

Document Number	0071851258
Date	Nov 20, 2019
Book Page	7185/1258
Instrument	20191120000665740

Lender

Name	CITIZENS NATL BANK OF GREATER ST LOUIS
Type	Bank
Address	SAINT PETERS, MO 63376

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 19, 2017
Property Address	902 MADISON ST, SAINT CHARLES, MO 63301-2755
Document Number	0067300343
Book / Page	6730 / 0343
Instrument Date	Apr 14, 2017
Instrument	20170419000235550
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 MADISON ST, SAINT CHARLES, MO 63301-2755

Mortgage

Document Number	20170419000235560
Date	Apr 19, 2017
Instrument	20170419000235560

Lender

Name	CORNERSTONE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2032

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$43,429 (+3.36%)	$228,576 (+3.37%) Land $28,572 Building $200,004
2024	$2,703.00
2023		$42,016
2022			$221,130 Land $21,429 Building $199,701

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	17 (1980–2022)
Claims Outside the SFHA	3 of 17
Most Recent Claim	Aug 2022 · tidal / storm surge
Claims by Event	Severe Storms & Flooding, Aug 1993 · 10 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST CHARLES PWS serves 78,961 people · EPA ID MO6010707
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 630 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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